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WASHINGTON MUT. FINANCE GROUP, LLC v. BAILEY

No. 02-60794.

364 F.3d 260 (2004)

WASHINGTON MUTUAL FINANCE GROUP, LLC, Plaintiff-Appellant, American Bankers Life Assurance Company of Florida; American Security Insurance Company; Union Security Life Insurance Co.; American Bankers Insurance Company of Florida, Intervenor Plaintiffs-Appellants, v. John BAILEY; Helen J. Spellman, Defendants-Appellees. Washington Mutual Finance Group, LLC, Plaintiff-Appellant, American Bankers Life Assurance Company of Florida; American Security Insurance Company; Union Security Life Insurance Co.; American Bankers Insurance Company of Florida, Intervenor Plaintiffs-Appellants, v. Violet Smith, Defendant-Appellee. Washington Mutual Finance Group, LLC; et al., Plaintiff-Appellant, American Bankers Life Assurance Company of Florida; American Security Insurance Company; Union Security Life Insurance Co.; American Bankers Insurance Company of Florida, Intervenor Plaintiffs-Appellants, v. Beulah Tate; et al., Defendants, Beulah Tate; John Phinizee; Miriah Phinizee, Defendants-Appellees. Washington Mutual Finance Group, LLC, Plaintiff-Appellant, American Bankers Life Assurance Company of Florida; American Security Insurance Company; Union Security Life Insurance Co.; American Bankers Insurance Company of Florida, Intervenor Plaintiffs-Appellants, v. Willie Nmi Curry; et al., Defendants, Willie Nmi Curry, Defendant-Appellee.

United States Court of Appeals, Fifth Circuit.

March 19, 2004.

Attorney(s) appearing for the Case

Walter D. Willson (argued), Kenna L. Mansfield, Jr., Wells, Marble & Hurst, Charles E. Griffin, Griffin & Associates, Jackson, MS, for Intervenor Plaintiffs-Appellants.

Roman Ashley Shaul (argued), Beasley, Allen, Crow, Methvin, Portis & Miles, Montgomery, AL, for Defendants-Appellees.

Katharine M. Samson, Watkins, Ludlam, Winter & Stennis, Jess Hays Dickinson (argued), Dickinson, Ros, Samson & Nelms, Gulfport, MS, Jan Timothy Chilton, Severson & Werson, Memphis, TN, for Plaintiff-Appellant.

Before GARWOOD, JOLLY and CLEMENT, Circuit Judges.

E. GRADY JOLLY, Circuit Judge:

This case requires us to determine the effect of an individual's illiteracy on the enforcement of an arbitration agreement, which the individual admits he signed, but because of his illiteracy, denies he understood. The district court held that the individual's illiteracy, coupled with a lack of oral disclosure, rendered the agreement procedurally unconscionable. We conclude the district court erred and REVERSE.

I

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